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🛡️ Consumer Protection Guide

Avoid Roofing Scams in Century, FL

Storm season in Escambia County brings out roofers who are here to help — and a few who aren't. Knowing the difference can save you thousands. Whether you need a repair after a heavy storm or a full replacement, here's how to spot red flags and find a roofer you can trust in Century.

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Common Residential & Commercial Roofing Scams in Century

Be aware of these tactic used by unlicensed operators

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The Storm Chaser Scam

After a storm passes through Escambia County, out-of-town roofers go door-to-door offering quick repairs. They take a large deposit, do shoddy work or nothing at all, and leave town before you can file a complaint.

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The Insurance Claim Hijack

A roofer offers to handle your insurance claim directly, asks you to sign over your claim benefits, and then inflates the estimate. You're left with a high deductible, denied claims, or subpar work.

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The Phantom Damage Inspection

A roofer climbs your roof and claims to find severe damage that doesn't actually exist — or existed long before the recent storm. They pressure you into an unnecessary full replacement.

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The Low-Ball Bid Bait and Switch

A contractor undercuts every other bid to win the job, then hits you with add-on charges, lower-quality materials, or incomplete work that requires expensive fixes later.

How to Verify a Professional

1

Insurance

A legitimate roofer carries both general liability insurance and workers' compensation insurance. Ask for a certificate of insurance and call the carrier to confirm it's active. If they can't provide it, you could be liable for injuries on your property.

2

Licensing

Florida requires roofing contractors to hold a state license from the DBPR (Department of Business and Professional Regulation). Ask for their license number and verify it at myfloridalicense.com. For Escambia County, also check that they meet local permitting requirements.

3

References

Ask for at least three recent local references — ideally homes within 10–15 miles of Century. Call them and ask about the work quality, timeline, cleanup, and whether they encountered any surprise costs.

Protection FAQs

How can I check if a roofer is licensed in Florida?

Use the Florida DBPR's online license verification tool at myfloridalicense.com. Enter the contractor's name or license number to confirm it's active and in good standing. Roofing contractors need a Certified Roofing Contractor license (CCC) or a Registered Roofing Contractor license (CRC).

Do roofers in Century, FL need a permit?

Yes. Escambia County requires building permits for most roof repairs and all roof replacements. A trustworthy roofer will pull the permit and schedule the required inspections. If a roofer tells you a permit isn't needed, that's a major red flag.

Is it normal for a roofer to ask for full payment upfront?

No. Reputable roofers ask for a deposit — typically 10% to 30% — and the balance upon completion. Never pay the full amount upfront. If a contractor demands full payment before starting, find someone else.

What should a roofing contract include?

A solid contract includes: full scope of work, specific materials and shingle brands, project timeline and start/end dates, payment schedule, warranty details, cleanup plan, and the contractor's license and insurance information. If any of this is missing, ask for it in writing.

How do I spot a storm chaser roofer?

Storm chasers show up uninvited after bad weather, offer deals that expire 'today only,' have temporary or out-of-state contact info, and often lack a Florida roofing license. They usually can't provide local references. If they can't give you a local Century address, proceed with caution.

What is an Assignment of Benefits (AOB) and why should I avoid signing one?

An AOB lets a contractor take over your insurance claim and get paid directly by your insurer. While not always a scam, it has been widely abused in Florida. Once signed, you lose control over repairs and costs. It's safer to handle your claim directly and pay your roofer after work is completed to your satisfaction.

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Licensed & insured professionals CALL NOW: 1-866-674-2070